Ocwen FSB Bogus Fees and Deceptive Practices West Palm Beach, Florida

My 2nd mortgage was aquired by Ocwen about 3 years ago. Appearently I had no say in this matter.

One year ago I went through a bad divorce, lost income, and had to file bankrupsy. I had already sent Ocwen my payment when I realized I needed to close my bank account. I called them and told them I would stop payment on the check and send a cashier's check immediately. I proceeded to do just that.

Now, one year later-- a $20.00 "retuned check" fee has appeared on my bill. Of course, I can't recall the name of the CR I dicussed this with a year ago. When I contacted customer service about the charge I was told "it's always been due"-- even though it just now appeared on my statement. The CR was merciless in refusing to waive said fee.

My interest late is extremely high (16%). Ocwen seems to cease every possible opportunity to extort bogus fees from customers. I have been eager for the 2 year anniversary of my bankrupsy so I can re-finance w/ someone else. After reading other postings about Ocwen I am now afraid I won't be able to get out from under them without being charged an payoff penalty.

Also, has anyone noticed that the statements they send seem to imply that a late fee is part of the total due even if you don't owe late fees? Be careful not to pay more that the minimum though, you'll be charged a penalty fee for that too!


Cathy
Nashville,, Tennessee
U.S.A.